Anniston, AL · Cert 58558
FDIC · 15 branches
Q2 2025
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.4% share · #25 of 80 inst. · $0.9B of $246.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.40% | 1.50% | 1.63% | 0.04% | -145 bps | |
| Return on Equity | 12.79% | 11.83% | 12.49% | 12.79% | 0.31% | -1,248 bps | |
| Net Interest Margin | 3.52% | 3.41% | 3.40% | 3.73% | 3.78% | +25 bps | |
| Efficiency Ratio | 43.71% | 45.17% | 44.19% | 41.04% | 72.71% | +2,900 bps | |
| Non-Interest Burden | 1.43% | 1.43% | 1.37% | 1.43% | 2.69% | +127 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.86% | 23.57% | 16.44% | 13.52% | 11.72% | -114 bps | |
| Loan Growth (YoY) | 17.41% | 23.86% | 18.14% | 15.04% | 14.98% | -243 bps | |
| Deposit Growth (YoY) | 12.82% | 25.80% | 19.07% | 14.59% | 13.33% | +51 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.19% | 0.36% | 0.29% | 0.32% | 0.45% | +26 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.04% | 0.04% | 0.66% | +58 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.27% | 1.28% | 0.96% | -32 bps | |
| Allowance Coverage of NPLs | 6.8x | 3.6x | 4.3x | 4.0x | 2.1x | -4.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.52% | 11.48% | 11.45% | 11.99% | 11.41% | -11 bps | |
| Total Risk-Based Capital | 13.77% | 13.59% | 14.18% | 14.55% | 13.88% | +11 bps | |
| Equity / Assets | 11.72% | 12.29% | 12.58% | 12.97% | 12.71% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.17% | 90.47% | 91.99% | 92.90% | 93.51% | +134 bps | |
| Liquid Assets / Assets | 6.22% | 7.12% | 6.09% | 5.16% | 10.41% | +419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |